Apparatus and method to electromagnetically shield portable consumer devices

ABSTRACT

An apparatus and method is provided to shield contactless portable electronic consumer devices such as radio frequency identification devices (RFID), tokens, mini-cards, key fobs, cellular phones, smartcards, etc. from wireless interrogation. In one embodiment, a contactless portable consumer device which includes a first antenna is shielded from unauthorized wireless interrogation with a radio frequency (RF) shield. The RF shield includes electrically conductive, non-ferromagnetic material and is configured to prevent unauthorized data transfer between a second antenna external to the portable consumer device and the first antenna.

CROSS-REFERENCES TO RELATED APPLICATIONS

This patent application is a continuation of and claims priority to U.S.patent application Ser. No. 11/165,901, filed on Jun. 24, 2005, now U.S.Pat. No. 7,482,925 which is incorporated herein by reference for allpurposes.

BACKGROUND OF THE INVENTION

The present invention relates in general to radio frequency shieldingand in particular to various embodiments of shielding for portableelectronic devices such as contactless smartcards.

Generally, portable electronic devices such as contactless smartcards,key fobs, radio frequency identification devices (RFID), cellularphones, etc. are designed to provide the consumer a way to engage inwireless communication and data exchange using radio frequency (RF)signals. For example, contactless smartcards allow a consumer to storeand transmit financial data and other personal data to third partiessuch as banks. In another example, portable electronic devices such asRFIDs are used to wirelessly identify articles and allow monitoring ofsuch articles during manufacturing, shipment, storage, etc. Due to theincreased popularity of smartcards and RFIDs, it is envisioned that theywill eventually be used for virtually all transactions involved inbanking, health, insurance, social security, tracking, shipping, etc.

Because contactless electronic devices can operate without wires,contactless portable electronic devices are expected to replace othertypes of devices that require physical contact and/or physicalconnections to communicate with other devices and systems.Illustratively, contactless smartcards are expected to replace regularcredit cards, as they need not be in contact with a transaction terminalto be operated. Regular contact credit cards having magnetic strips andcontact smartcards must come in contact with a reader. Similarly, RFIDsare expected to replace many of the bar code reading systems due to thefact that articles may be identified and tracked wirelessly.

A major benefit of contactless portable electronic devices is that theydo not have to be removed from a user's wallet, briefcase, backpack, orpurse to be used. Currently, an international standard has beenestablished that sets a standard range between a contactless reader andthe contactless portable electronic device. Therefore, a contactlessportable electronic device may wirelessly exchange data with acontactless reader without the user having to remove the contactlessportable electronic device from his wallet, purse, pocket, etc. as longas he is in range of the contactless reader. For simplicity and costsavings, contactless portable electronic devices often do not haveembedded power sources (i.e., batteries). For example, smartcards andRFIDs have an antenna designed to receive RF signals from thecontactless reader that is used to both power the smartcard/RFIDdevices, as well as enable them to communicate with the contactlessreader.

Unfortunately, due to the wireless nature of the contactless portableelectronic devices, it is entirely possible that a contactless readermay be used for surreptitious interrogation (e.g., data skimming) of thecontactless portable electronic devices. In addition, it is conceivablethat a contactless reader may be developed or modified to generate amuch greater RF signal strength and sensitivity and thereby increase thestandard range. Such an enhanced reader may allow surreptitiousinterrogation of the contactless portable electronic devices from agreater range.

Some have proposed using a passive electromagnetic shield to preventsurreptitious interrogation. One particular reference that describescreating a passive electromagnetic shield is U.S. Pat. No. 6,121,544issued to Petsinger (herein Petsinger). Petsinger discloses anelectromagnetic shield device that is used to shield contactlesssmartcards and RFIDs from electromagnetic energy. Petsinger teaches aspecialized enclosure that is made of a soft magnetic alloy with a veryhigh initial and maximum magnetic permeability. The enclosure ishydrogen annealed to provide magnetic shielding properties. Petsingeralso discloses that the relatively high intrinsic electricalconductivity of the magnetic shielding simulates a Faraday cage toprotect the contactless smartcards/RFIDs from electric fields as well.Unfortunately, the electromagnetic shield as taught by Petsinger is acomplicated multifaceted device that is expensive to manufacture andrequires that the smartcard/RFID be completely enclosed by magneticmaterials.

The device in Petsinger also appears to be rigid in structure. Therigidity of Petsinger's device may make the device undesirable for usein a person's wallet, since a person's wallet is continually subjectedto varying forces when it is in a person's pocket. The rigid device maybreak or crack when subjected to such forces.

Therefore, what is needed is a shielding device and method that shieldsthe contactless portable electronic devices from unauthorizedinterrogation that is simple to use and is cost effective.

BRIEF SUMMARY OF THE INVENTION

Embodiments of the present invention provide an apparatus and method forshielding a contactless portable consumer device such as a smartcard,RFID, key FOB, tag, and the like from unauthorized wirelessinterrogation.

In one embodiment, the present invention provides a portable consumerdevice that includes a first antenna and an RF shield comprising anelectrically conductive, non-ferromagnetic material. The RF shield isconfigured to prevent unauthorized data transfer between a secondantenna external to the portable consumer device and the first antenna.

In another embodiment, the present invention provides a portableconsumer device including a first antenna and an RF shield in the formof a sticker. The RF shield is configured to prevent unauthorized datatransfer between a second antenna external to the portable consumerdevice and the first antenna.

In another embodiment, the present invention provides for an apparatuscomprising: a portable consumer device comprising a first antenna, aflexible carrier, and an RF shield associated with the carrier. The RFshield is configured to prevent unauthorized data transfer between asecond antenna external to the portable consumer device and the firstantenna.

These and other embodiments of the invention are described in furtherdetail below.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a front view illustrating one embodiment of an RF shielddisposed with respect to a contactless portable consumer device inaccordance with embodiments of the invention;

FIG. 2 is a front view illustrating one embodiment of an envelope havingan RF shield disposed therein supporting a contactless portable consumerdevice in accordance with embodiments of the invention;

FIG. 3 is a front view illustrating one embodiment of an envelope havingan RF shield insert for insertion therein in accordance with embodimentsof the invention;

FIG. 4 is a front view illustrating one embodiment of an envelope inserthaving one or more RF shields disposed thereon with respect to acontactless portable consumer device in accordance with embodiments ofthe invention;

FIG. 5A is a front view illustrating one embodiment of a wallet havingan RF shield disposed therein with respect to a contactless portableconsumer device in accordance with embodiments of the invention;

FIG. 5B is a front view illustrating one embodiment of a wallet havingan RF shield liner disposed therein with respect to a contactlessportable consumer device in accordance with embodiments of theinvention;

FIG. 6 is a front view illustrating one embodiment of an RF shieldsticker disposed on a contactless portable consumer device in accordancewith embodiments of the invention;

FIG. 7A is a front view illustrating one embodiment of an antenna shieldmounted to a contactless portable consumer device for shielding smallantennas in accordance with embodiments of the invention; and

FIG. 7B is a front view illustrating one embodiment of an antenna shieldmounted to a contactless portable consumer device for shielding largerantennas in accordance with embodiments of the invention.

DETAILED DESCRIPTION OF THE INVENTION

Embodiments of the present invention provide for an RF shield apparatusand method of shielding a contactless portable consumer device. In oneembodiment, the RF shield has a particular shape, dimension, and/ornon-ferromagnetic material. Such features allow the shield to block orattenuate RF signals within a predetermined frequency range and/ormagnitude range so that unauthorized data transfer (e.g., theunauthorized transfer of bank account numbers) between a first antennain a portable consumer device and a second antenna external to theportable consumer device does not occur. The antenna in the portableconsumer device may be in any suitable form including a coil.

The portable consumer devices according to embodiments of the inventionmay be in any suitable form. For example, the portable consumer devicescan be hand-held and compact so that they can fit into a consumer'swallet and/or pocket (e.g., pocket-sized). For example, the portableconsumer devices may include smartcards, ordinary credit or debit cards(with a magnetic strip and without a microprocessor), a keychain device(such as the Speedpass commercially available from Exxon-Mobil Corp.),etc. Other examples of portable consumer devices include cellularphones, personal digital assistants (PDAs), pagers, payment cards,security cards, access cards, smart media, transponders, RFID flexibletags, and the like. Such portable consumer devices can have one or moreantennas that can transmit and/or receive signals and data through awireless communication medium.

An exemplary portable consumer device may include a memory such as amemory chip and/or a microprocessor. Either may be operationally coupledto the antenna in the portable consumer device. The memory preferablycontains information such as financial information. Financialinformation may include information such as bank account information,credit or debit card number information, account balance information,consumer information, etc. If the portable consumer device is in theform of a debit, credit, or smartcard, the portable consumer device mayalso optionally have features such as magnetic strips. Such devices canoperate in either a contact or contactless mode.

The portable consumer devices according to embodiments of the inventioncan be used with authorized readers that can also have antennas. Suchauthorized readers may be present at point of sale (POS) terminals, ATM(automatic teller machines), and the like. Such readers are well knownin the art.

The RF shield may cover a portion of the portable consumer device or theentire portable consumer device. In embodiments of the invention, the RFshield covers one or both sides of the one or more antennas in theportable consumer device. It is well known in the RF art that RF shieldscan be created to reflect or absorb RF signals. Such shields may have aparticular material that more readily reflects or absorbs signals of acertain wavelength, and/or may have a particular configuration that morereadily reflects of absorbs signals of a certain wavelength.

FIG. 1 is a front view illustrating one embodiment of an RF shield 100disposed with respect to a conventional contactless portable consumerdevice 102. For purposes of illustration, the RF shield 100 is describedin terms of a rectangular shape. However, it is to be understood that RFshield 100 may have any shape as long as the shield 100 prevents theunauthorized transfer of data from the contactless portable consumerdevice 102. As shown in FIG. 1, the contactless portable consumer device102 includes a processor 104 and an antenna 106. The processor 104 andantenna 106 are generally integrated into the body 108 of thecontactless portable consumer device 102, such as the body 108 of asmartcard or RFID device or the like. Generally, the antenna 106 may bea first antenna and is configured to be sensitive to a specific spectrumof RF signals used with a contactless reader 110. In other words, thecontactless portable consumer device 102 is designed to receive signalsfrom the contactless reader 110 within a particular range offrequencies. The contactless reader 110 may include a second antennawhich may transmit and/or receive a signal from the first antenna 106 inthe contactless portable consumer device 102. Since the antenna 106 hasa specific physical configuration, the sensitivity of the contactlessportable consumer device 102 decreases dramatically for frequenciesoutside the frequency range of operation. In some cases, the contactlessportable consumer device 102 may include a low pass or band pass filtersystem to further reject RF signals outside the frequency spectrum ofinterest.

In one embodiment, the RF shield 100 acts as a conductive partitionplaced between an antenna of the contactless reader 110 and the antenna106 of the contactless portable consumer device 102. The RF shield 100controls the propagation of electric fields from the antenna of thecontactless reader 110 to the antenna 106 of the contactless portableconsumer device 102. As the frequency range of operation is a knownfactor in the operation of contactless portable consumer device 102, theRF shield 100 may be designed to act as a signal attenuator within therange of that frequency range of operation. The RF shield 100 attenuatesthe RF signals, within that range of operation, below a deviceactivation level thereby preventing any data transfer between the twoantennas. For example, the antenna 106 may be configured to be a quarterwavelength antenna or multiple thereof, whereas the RF shield 100 isconfigured to either reflect or absorb (i.e. short) RF signals withinthe frequency range of operation of the contactless portable consumerdevice 102. In other words, the RF shield 100 acts as a mismatchedantenna or an RF signal absorber to attenuate those frequencies used forthe operation of the contactless portable consumer device 102 below anactivation level thereby preventing data exchange.

To prevent electronic coupling of signals from the RF shield 100 to theantenna 106, the RF shield 100 can be placed in contact with and/or atthe same ground as the contactless portable consumer device 102. Thegrounding contact (not shown) may be spatially separated from theantenna 106. The electrical contact between the RF shield 100 and thecontactless portable consumer device 102 may be optionally enhancedusing a conductive adhesive 114. Even though the body 108 of thecontactless portable consumer device 102 may be composed of plastic orother polymers, the grounding paths are established though surfacecontact and/or paths in a carrier such as a wallet (as described below).The RF shield 100 is also configured with a conductive body 112 portionthat provides one or more internal electrical paths for electriccurrents generated by the RF signals conducted by the conductive body112. For example, the conductive body 112 may include non-ferromagneticmaterials such as aluminum, copper, brass, and alloys that exhibitextremely low magnetic permeability but are electrically conductive. Inother embodiments, the RF shield 100 may be composed of metallicprinting ink, mesh materials, conductive fabrics, and the like that maybe used to similar advantage. Non-ferromagnetic materials areparticularly desirable. For example, metals such as aluminum are common,inexpensive, and easily manufacturable.

FIG. 2 is a front view illustrating one embodiment of an envelope 200having an RF shield 100A disposed therein, and supporting a contactlessportable consumer device 102. The envelope 200 is an example of aflexible carrier. For clarity, a common envelope shape is illustrated.However, it is to be understood that any type of envelope or enclosureshape and/or configuration capable of holding the contactless portableconsumer device 102 may be used. The RF shield 100A may be separate fromenvelope 200, attached to the envelope 200, or integrally formed withthe envelope 200. For example, the RF shield 100A may be anon-ferromagnetic conductive internal coating 202 of envelope 200. Thecoating 202 may be applied using any number of techniques such aspainting, printing, stenciling, powder coating, vacuum metallization,and the like. The coating 202 has a thickness and a structure thatallows that coating 202 to absorb or reflect RF signals. The coating 202may be applied to selective areas of the envelope 200 to form the RFshield 100A. The formed RF shield 100A can block or attenuate the RFsignals from an unauthorized external antenna. In another embodiment,the RF shield 100A may be in the form of a non-ferromagnetic foil thatis in a pouch, or in the form of an envelope liner insert (as describedbelow).

In another embodiment, the contactless portable consumer device 102 maybe a contactless identification device, such as an RFID, used toidentify and/or track articles in storage or being shipped. The RFshield 100 and contactless identification device may be designed toattach to articles, such as consumer goods. Any number of configurationsmay be used to attach the RF shields 100 and the contactlessidentification device to such articles. For example, the contactlessidentification device and the RF Shield 100 may be attached or integralto an identification tag, e.g., luggage tag, or contained in a pouchsimilar to RF shield 100A described above, and the like.

FIG. 3 is a front view illustrating one embodiment of an envelope 200Bhaving an RF shield insert 100B that is inserted therein. In oneembodiment, the RF shield insert 100B is sized to fit snuggly within theenvelope 200B. RF shield 100B is positioned within envelope 200B inclose proximity to contactless portable consumer device 102 such that,similar to RF shield 100 described with respect to FIGS. 1-2, any RFsignals within a predetermined frequency range are blocked orattenuated. Optionally, the contactless portable consumer device 102 maybe secured to the RF shield 100B with a temporary adhesive.

FIG. 4 is a front view illustrating one embodiment of an envelope insert400 having one or more RF shields 100C-A, 100C-B, 100C-C disposedthereon and adjacent to a contactless portable consumer device 102. Inthis embodiment, the envelope insert 400 is a multi-fold carrierdesigned to fold around the contactless portable consumer device 102mounted thereon. The envelope insert 400 may be optionally used toprovide consumer information about the contactless portable consumerdevice 102 such as account numbers, the issuing institution, etc. Theembodiment in FIG. 4 may be used to mail a credit or debit card to aconsumer. As will be apparent from the description below, thisembodiment protects the contactless portable consumer device 102 fromunauthorized data access when the contactless portable consumer device102 is being transported through the mail or the like.

As shown in FIG. 4, the envelope insert 400 includes one or more RFshields 100C-A, 100C-B, 100C-C. For example, as illustrated, there maybe one RF shield per folding surface 404. Thus, when the envelope insert400 is folded, the contactless portable consumer device 102 may beenclosed by the envelope insert 400 and surrounded by the one or more RFshields 100C-A, 100C-B, 100C-C. Because more than one shield 100C (e.g.100C-A, 100C-B, 100C-C) shields the antenna in the contactless portableconsumer device 102, the contactless portable consumer device 102 isvery well protected against unauthorized data transfer from anunauthorized external antenna.

For added security, the one or more RF shields may be formed indifferent shapes and/or formed of different materials to accommodate abroader spectrum of RF signals. In some embodiments, the RF shields maybe formed of foil, such as aluminum foil. Such foils may be adhesivelyattached to the envelope insert 400.

Any number of techniques may be used to apply the RF shields 100A-C tothe envelope insert 400. For example, the RF shield 100C may be formedby printing conductive ink such as silver and graphite ink on theenvelope insert 400. The RF shield 100C may also be formed bysputtering, painting, etc., conductive non-ferromagnetic metals to theenvelope insert 400. In yet other embodiments, a film ofnon-ferromagnetic material may be glued or taped onto the envelopeinsert 400.

FIG. 5A is a front view illustrating one embodiment of a wallet 500having an RF shield 100D being disposed therein with respect to acontactless portable consumer device 102. In one embodiment, the RFshield 100D is designed to fit within a holder 502 of the wallet 500.The wallet 500 may be an example of a flexible carrier. The holder 502may be any suitable storage area of the wallet 500 (e.g., pouch, recess,etc.). For example, the holder 502 may be a conventional credit cardpocket. Illustratively, holder 502 may be configured to hold pictures orother items. RF shield 100D is configured to be positioned within holder502 in proximity to contactless portable consumer device 102 such that,similar to RF shield 100 described with respect to FIGS. 1-3 above, anyRF signals within a frequency range suitable for activating thecontactless portable consumer device 102 are blocked attenuated belowthe device activation level. Whereas a shielded enclosure (e.g., asshown in FIG. 2) may prevent any RF signals from reaching thecontactless portable consumer device 102 when closed, when the wallet500 is open, as illustrated, an authorized contactless reader 111 may beused to interrogate the contactless portable consumer device 102. Thisis advantageous as it gives the user control of when the contactlessportable consumer device 102 may be wirelessly interrogated.

FIG. 5B is a front view illustrating an embodiment of a wallet 500having an RF shield liner 100E disposed therein with respect to acontactless portable consumer device 102. Similar to RF shield 100Ddescribed above, RF shield liner 100E is configured to be integratedwith the wallet 500. In one embodiment, the RF shield liner 100E isconfigured to slip into a conventional momentary holding pocket 506extending, for example, lengthwise along the wallet 500. In anotherembodiment, the RF shield liner 100E may be manufactured with the wallet500 as a hidden liner. The RF shield liner 100E may also be integratedwith the wallet 500 such that some or all of the RF shield liner 100E isin view. For example, the RF shield liner 100E may be formed of one ormore layers of conductive materials with a specialized design, color,surfaces, etc., to enhance the uniqueness of the wallet's look and feel.In either case (as a separate liner, or integrated into the wallet 500),the RF shield liner 100E is configured to attenuate RF signals withinthe operation frequency range of the contactless portable consumerdevice 102 when the wallet 500 is folded into a closed configuration.The user of the wallet 500 may then use the contactless portableconsumer device 102 by simply opening the wallet 500 and then holdingthe open wallet 500 so that the contactless portable consumer device 102faces the authorized contactless reader 111 and is within an operationalrange of the authorized contactless reader 111. Advantageously, when theuser positions the contactless portable consumer device 102 so that theauthorized contactless reader 111 can read it, the RF shield liner 100Emay shield the contactless portable consumer device 102 fromsurreptitious interrogation by unauthorized contactless readers 110positioned on the side of the RF shield liner 100E opposite to thecontactless portable consumer device 102. In another embodiment, similarto lining the wallet 500, the RF shield liner 100E may be configured toline a purse, pocket, or other article of clothing.

FIG. 6 is a front view illustrating one embodiment of an RF shieldsticker 600 disposed on a contactless portable consumer device 102. Inone embodiment, the sticker 600 is formed from one or more layers ofnon-ferromagnetic materials such as aluminum, copper, brass, stainlesssteel, and the like. The one or more layers of non-ferromagneticmaterials may be formed in a flexible carrier such as a paper orpolymeric substrate. The RF shield sticker 600 includes a temporaryadhesive to temporarily affix the RF shield sticker 600 to thecontactless portable consumer device 102. The adhesive may be virtuallyany type of adhesive as is known that temporarily bonds items together.

The RF shield stickers 600 may also have any suitable size or shape. Thesizes and shapes of the RF shield stickers 600 may correspond to theshapes and sizes of the antennas. In addition, in some embodiments, thesize, shape, and material used in the RF shield sticker 600 may beadjusted to optimize its attenuation properties relative to thefrequency of operation for the particular contactless portable consumerdevice 102 being used. The stickers may also be printed with informationpertinent to the user of the contactless portable consumer device 102.For example, the RF shield stickers 600 may contain information such asinstructions regarding how to activate a contactless portable consumerdevice 102 (e.g., by dialing a toll-free number and then following therecorded instructions).

FIG. 7A is a front view illustrating one embodiment of an antenna shield700A mounted to a contactless portable consumer device 102 having asmall sized antenna 106B. FIG. 7B is a front view illustrating oneembodiment of an antenna shield 700B mounted to a contactless portableconsumer device 102 with a larger antenna 106C. In FIG. 7A, the antennashield 700A and the RF shield sticker 600 have similar configurations.However, while the antenna shield 700 is configured to shield theantenna 106, an opening 704 is formed so that card indicia 706 isvisible to the user.

As noted above, the antenna shields 700A, 700B may be formed from one ormore layers of non-ferromagnetic materials such as aluminum, copper,brass, stainless steel, and the like. The antenna shields 700A, 700B mayinclude temporary adhesives to temporarily affix them to contactlessportable consumer devices. The adhesive may be virtually any type ofadhesive as is known that temporarily bonds items together. The antennashield 700 may be formed in virtually unlimited shapes to accommodatethe antenna size differences. In addition, the size and material of theantenna shield 700 may be chosen to optimize its attenuation propertiesrelative to the frequency of operation for a particular contactlessportable consumer device 102.

Embodiments of the invention provide for a number of advantages. Unlikethe device described in the Petsinger reference noted above, embodimentsof the invention can use less expensive non-ferromagnetic materials suchas aluminum. When thousands of contactless credit or debit cards aremailed to consumers, the cost savings associated with embodiments of theinvention, relative to the costs associated with Petsinger's device, canbe significant. Such materials are also more widely available and can bebetter conductors than the ferromagnetic materials mentioned inPetsinger. They can thus provide for better shielding than the materialsin Petsinger. In addition, in some embodiments, the shield can be on orin the form of a flexible carrier. If the portable consumer device is inthe form of a credit card, the shield can bend and flex along with thecredit card making it suitable for use in a person's wallet. In otherembodiments, the RF shield 100 may be part of an active decoy systemconfigured to actively prevent wireless interrogation. Exemplaryembodiments of active wireless interrogation prevention may be found inco-pending patent application Ser. No. 11/165,969, entitled “ApparatusAnd Method For Preventing Wireless Interrogation Of Portable ConsumerDevices” which is hereby incorporated by reference in its entirety.

It is apparent to one skilled in the art that various changes andmodifications can be made to this disclosure, and equivalents employed,without departing from the spirit and scope of the invention. Forexample, RF shields 100 may be formed from a variety of differentnon-ferromagnetic materials such as polymers having one or moreconductive layers to reduce other potentially damaging conditions suchas the build up of static. Elements shown with any embodiment areexemplary for the specific embodiment and can be used on otherembodiments within this disclosure.

What is claimed is:
 1. An apparatus comprising: a portable consumerdevice comprising a first antenna; an envelope coupled to andsurrounding the portable consumer device; and an insert disposed in theenvelope, the insert comprising an RF shield, the RF shield comprisingan electrically conductive, non-ferromagnetic material, wherein the RFshield is configured to prevent unauthorized transfer of financial databetween a second antenna external to the portable consumer device andthe first antenna, wherein the RF shield is separate from the portableconsumer device and only one side of the portable consumer device isshielded by the RF shield.
 2. The apparatus of claim 1, wherein thenon-ferromagnetic material comprises aluminum.
 3. The apparatus of claim1, wherein the portable consumer device is in the form of a card forperforming financial transactions.
 4. The apparatus of claim 1, whereinthe portable consumer device is in the form of a card.
 5. The apparatusof claim 1 further comprising an envelope wherein the envelope containsthe portable consumer device and the RF shield.
 6. The apparatus ofclaim 1, wherein the portable consumer device comprises a personaldigital assistant, a pager, a payment card, a security card, an accesscard, a key fob, a smart medium, a transponder, or an RFID device. 7.The apparatus of claim 1, wherein the portable consumer device and theRF shield are configured to be attached to an item during storage orshipment.
 8. The apparatus of claim 1, wherein the RF shield is in theform of a liner configured to line a purse, pocket, or other article ofclothing.
 9. The apparatus of claim 1, wherein financial data includes abank account number.
 10. The apparatus of claim 1 further comprising asecond RF shield coupled to the RF shield, wherein the second RF shieldis formed in a different shape and a different material from the RFshield.
 11. The apparatus of claim 10 wherein the second RF shield isadhesively attached to the RF shield.
 12. The apparatus of claim 1wherein the RF shield comprises conductive ink.
 13. The apparatus ofclaim 1 wherein the first antenna comprises an antenna grounding contactand the RF shield comprises a shield grounding contact; and wherein theantenna grounding contact is electrically coupled to the shieldgrounding contact.
 14. The apparatus of claim 1 wherein the RF shield isdesigned to reflect RF signals within a frequency range of operation ofthe antenna.
 15. An apparatus comprising: a portable consumer devicecomprising a first antenna; and an envelope coupled to and surroundingthe portable consumer device; and an insert disposed in the envelope,the insert comprising an RF shield, the RF shield comprising anelectrically conductive, non-ferromagnetic material, wherein the RFshield is configured to prevent unauthorized transfer of financial databetween a second antenna external to the portable consumer device andthe first antenna, wherein the RF shield is separate from the portableconsumer device and only one side of the portable consumer device isshielded by the RF shield, and wherein the RF shield is furtherconfigured to attenuate a signal passing from the second antenna to thefirst antenna so that the signal that passes through the RF shield isbelow an activation threshold for the portable consumer device.
 16. Theapparatus of claim 15, wherein the non-ferromagnetic material comprisesaluminum.
 17. The apparatus of claim 15, wherein the portable consumerdevice is in the form of a card for performing financial transactions.18. The apparatus of claim 15, wherein the portable consumer device isin the form of a card for performing identification functions.
 19. Theapparatus of claim 15 further comprising an envelope wherein theenvelope contains the portable consumer device and the RF shield. 20.The apparatus of claim 15, wherein the portable consumer devicecomprises a personal digital assistant, a pager, a payment card, asecurity card, an access card, a key fob, a smart medium, a transponder,or an RFID device.
 21. The apparatus of claim 15, wherein the portableconsumer device and the RF shield are configured to be attached to anitem during storage or shipment.
 22. The apparatus of claim 15, whereinthe RF shield is in the form of a liner configured to line a purse,pocket, or other article of clothing.
 23. The apparatus of claim 15,wherein financial data includes a bank account number.
 24. The apparatusof claim 15 wherein the portable consumer device further comprises afilter system to further reject RF signals outside a frequency spectrumof interest.